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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and ARS Pharmaceuticals, Inc. (SPRY). Click either name above to swap in a different company.
Ponce Financial Group, Inc. is the larger business by last-quarter revenue ($31.4M vs $28.1M, roughly 1.1× ARS Pharmaceuticals, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -147.1%, a 183.4% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -67.6%).
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
ARS Pharmaceuticals, Inc. is a late-stage biopharmaceutical firm specializing in the development and commercialization of novel therapies for severe allergic reactions, most notably needle-free epinephrine delivery solutions for anaphylaxis. It primarily operates in the North American market, catering to both pediatric and adult patient groups at risk of life-threatening allergic responses.
PDLB vs SPRY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $28.1M |
| Net Profit | $10.1M | $-41.3M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | -147.6% |
| Net Margin | 36.3% | -147.1% |
| Revenue YoY | 37.6% | -67.6% |
| Net Profit YoY | 245.6% | -182.8% |
| EPS (diluted) | $0.43 | $-0.41 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $31.4M | $28.1M | ||
| Q3 25 | $26.7M | $32.5M | ||
| Q2 25 | $26.5M | $15.7M | ||
| Q1 25 | $24.6M | $8.0M | ||
| Q4 24 | $22.8M | $86.6M | ||
| Q3 24 | $20.2M | $2.1M | ||
| Q2 24 | $20.2M | $500.0K | ||
| Q1 24 | $20.5M | $0 |
| Q4 25 | $10.1M | $-41.3M | ||
| Q3 25 | $6.5M | $-51.2M | ||
| Q2 25 | $6.1M | $-44.9M | ||
| Q1 25 | $6.0M | $-33.9M | ||
| Q4 24 | $2.9M | $49.9M | ||
| Q3 24 | $2.4M | $-19.1M | ||
| Q2 24 | $3.2M | $-12.5M | ||
| Q1 24 | $2.4M | $-10.3M |
| Q4 25 | 43.6% | -147.6% | ||
| Q3 25 | 32.8% | -163.7% | ||
| Q2 25 | 30.2% | -302.9% | ||
| Q1 25 | 32.5% | -466.3% | ||
| Q4 24 | 19.6% | 54.5% | ||
| Q3 24 | 15.2% | -1051.6% | ||
| Q2 24 | 21.8% | -3068.0% | ||
| Q1 24 | 18.3% | — |
| Q4 25 | 36.3% | -147.1% | ||
| Q3 25 | 24.3% | -157.4% | ||
| Q2 25 | 23.0% | -285.6% | ||
| Q1 25 | 24.2% | -425.7% | ||
| Q4 24 | 14.1% | 57.7% | ||
| Q3 24 | 12.1% | -925.0% | ||
| Q2 24 | 15.8% | -2503.2% | ||
| Q1 24 | 11.8% | — |
| Q4 25 | $0.43 | $-0.41 | ||
| Q3 25 | $0.27 | $-0.52 | ||
| Q2 25 | $0.25 | $-0.46 | ||
| Q1 25 | $0.25 | $-0.35 | ||
| Q4 24 | $0.11 | $0.52 | ||
| Q3 24 | $0.10 | $-0.20 | ||
| Q2 24 | $0.14 | $-0.13 | ||
| Q1 24 | $0.11 | $-0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $126.2M | $245.0M |
| Total DebtLower is stronger | $596.1M | $96.4M |
| Stockholders' EquityBook value | $541.5M | $114.3M |
| Total Assets | $3.2B | $327.7M |
| Debt / EquityLower = less leverage | 1.10× | 0.84× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $245.0M | ||
| Q3 25 | $146.6M | $288.2M | ||
| Q2 25 | $126.6M | $240.1M | ||
| Q1 25 | $129.9M | $275.7M | ||
| Q4 24 | $139.8M | $314.0M | ||
| Q3 24 | $155.8M | $204.6M | ||
| Q2 24 | $103.2M | $218.7M | ||
| Q1 24 | $134.7M | $223.6M |
| Q4 25 | $596.1M | $96.4M | ||
| Q3 25 | $521.1M | $96.2M | ||
| Q2 25 | $536.1M | — | ||
| Q1 25 | $521.1M | — | ||
| Q4 24 | $596.1M | $0 | ||
| Q3 24 | $580.4M | — | ||
| Q2 24 | $680.4M | — | ||
| Q1 24 | $680.4M | — |
| Q4 25 | $541.5M | $114.3M | ||
| Q3 25 | $529.8M | $147.7M | ||
| Q2 25 | $521.1M | $192.3M | ||
| Q1 25 | $513.9M | $229.0M | ||
| Q4 24 | $505.5M | $256.8M | ||
| Q3 24 | $504.6M | $201.0M | ||
| Q2 24 | $497.7M | $215.2M | ||
| Q1 24 | $493.7M | $223.9M |
| Q4 25 | $3.2B | $327.7M | ||
| Q3 25 | $3.2B | $372.8M | ||
| Q2 25 | $3.2B | $313.5M | ||
| Q1 25 | $3.1B | $327.3M | ||
| Q4 24 | $3.0B | $351.2M | ||
| Q3 24 | $3.0B | $217.6M | ||
| Q2 24 | $2.8B | $222.0M | ||
| Q1 24 | $2.8B | $227.6M |
| Q4 25 | 1.10× | 0.84× | ||
| Q3 25 | 0.98× | 0.65× | ||
| Q2 25 | 1.03× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 1.18× | 0.00× | ||
| Q3 24 | 1.15× | — | ||
| Q2 24 | 1.37× | — | ||
| Q1 24 | 1.38× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $55.6M | $-43.5M |
| Free Cash FlowOCF − Capex | $54.6M | — |
| FCF MarginFCF / Revenue | 173.9% | — |
| Capex IntensityCapex / Revenue | 3.1% | 0.0% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $-43.5M | ||
| Q3 25 | $1.4M | $-47.0M | ||
| Q2 25 | $6.2M | $-39.6M | ||
| Q1 25 | $13.1M | $-40.7M | ||
| Q4 24 | $7.2M | $42.0M | ||
| Q3 24 | $-14.6M | $-14.5M | ||
| Q2 24 | $-2.6M | $-7.3M | ||
| Q1 24 | $1.5M | $-6.7M |
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | $-47.2M | ||
| Q2 25 | $5.9M | $-39.6M | ||
| Q1 25 | $12.9M | $-40.8M | ||
| Q4 24 | $4.5M | $41.7M | ||
| Q3 24 | $-15.0M | $-14.6M | ||
| Q2 24 | $-2.6M | $-7.3M | ||
| Q1 24 | $-315.0K | $-6.8M |
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | -145.4% | ||
| Q2 25 | 22.4% | -252.2% | ||
| Q1 25 | 52.6% | -512.1% | ||
| Q4 24 | 19.7% | 48.2% | ||
| Q3 24 | -74.1% | -706.3% | ||
| Q2 24 | -13.0% | -1463.4% | ||
| Q1 24 | -1.5% | — |
| Q4 25 | 3.1% | 0.0% | ||
| Q3 25 | 2.3% | 0.6% | ||
| Q2 25 | 1.0% | 0.3% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 11.9% | 0.3% | ||
| Q3 24 | 2.0% | 6.8% | ||
| Q2 24 | 0.3% | 7.6% | ||
| Q1 24 | 8.7% | — |
| Q4 25 | 5.48× | — | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 2.20× | — | ||
| Q4 24 | 2.46× | 0.84× | ||
| Q3 24 | -5.99× | — | ||
| Q2 24 | -0.80× | — | ||
| Q1 24 | 0.61× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
SPRY
| Products | $20.3M | 72% |
| Other | $7.8M | 28% |
